| TABULAR DISCLOSURE |
| Annual Percentage Rate (APR) for Purchases |
VISA Classic - 10%
VISA Gold - 9% |
| Other APR's** - Cash Advance |
VISA Classic - 10%
VISA Gold - 9% |
| Grace Period for Purchases |
25 days |
| Method of Computing the Balance for Purchases |
Average Daily Balance (Including new purchases) |
| Annual Fee |
None |
| Minimum Finance Charge |
None |
| Transaction Fee for Purchases |
None |
| Balance Transfer Fee |
None |
| Late Payment Fee |
$15.00 |
| Over-the-Credit Limit Fee |
$10.00 |
** Applies to both cards.
